LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,550
−HK$4,361/mo
▼ 0.25% · 3.875%
HK$71,713
−HK$2,198/mo
Today · 4.125%
HK$73,911
baseline
▲ 0.50% · 4.625%
HK$78,408
+HK$4,497/mo
Deposit HK$15.25M · loan HK$15.25M · min. income ≈ HK$147,822/mo (50% DSR)
Upfront cash ≈ HK$16.55M (deposit + AVD stamp duty HK$1,296,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,373
−HK$4,181/mo
▼ 0.25% · 3.875%
HK$79,449
−HK$2,105/mo
Today · 4.125%
HK$81,554
baseline
▲ 0.50% · 4.625%
HK$85,852
+HK$4,298/mo
Deposit HK$15.25M · loan HK$15.25M · min. income ≈ HK$163,108/mo (50% DSR)
Upfront cash ≈ HK$16.55M (deposit + AVD stamp duty HK$1,296,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,460
−HK$5,233/mo
▼ 0.25% · 3.875%
HK$86,056
−HK$2,637/mo
Today · 4.125%
HK$88,693
baseline
▲ 0.50% · 4.625%
HK$94,090
+HK$5,397/mo
Deposit HK$12.20M · loan HK$18.30M · min. income ≈ HK$177,386/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,296,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,848
−HK$5,016/mo
▼ 0.25% · 3.875%
HK$95,338
−HK$2,526/mo
Today · 4.125%
HK$97,864
baseline
▲ 0.50% · 4.625%
HK$103,023
+HK$5,159/mo
Deposit HK$12.20M · loan HK$18.30M · min. income ≈ HK$195,728/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,296,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,370
−HK$6,106/mo
▼ 0.25% · 3.875%
HK$100,398
−HK$3,078/mo
Today · 4.125%
HK$103,476
baseline
▲ 0.50% · 4.625%
HK$109,772
+HK$6,296/mo
Deposit HK$9.15M · loan HK$21.35M · min. income ≈ HK$206,952/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,296,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,323
−HK$5,852/mo
▼ 0.25% · 3.875%
HK$111,228
−HK$2,947/mo
Today · 4.125%
HK$114,175
baseline
▲ 0.50% · 4.625%
HK$120,193
+HK$6,018/mo
Deposit HK$9.15M · loan HK$21.35M · min. income ≈ HK$228,350/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,296,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,190
−HK$7,850/mo
▼ 0.25% · 3.875%
HK$129,084
−HK$3,956/mo
Today · 4.125%
HK$133,040
baseline
▲ 0.50% · 4.625%
HK$141,135
+HK$8,095/mo
Deposit HK$3.05M · loan HK$27.45M · min. income ≈ HK$266,080/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,296,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,272
−HK$7,525/mo
▼ 0.25% · 3.875%
HK$143,007
−HK$3,790/mo
Today · 4.125%
HK$146,797
baseline
▲ 0.50% · 4.625%
HK$154,534
+HK$7,737/mo
Deposit HK$3.05M · loan HK$27.45M · min. income ≈ HK$293,594/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,296,287 · Scale 2, in force from 26 Feb 2026)